Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: Synchrony bank placed a restriction on my account after I just mobile deposited a mobile check for XXXX on XX/XX/XXXX and placed a restriction on my account saying somebody tried to log into it from Michigan which is a lie because the account is brand new and the only person with account information is me they have yet to release my money or tell me anything about the whole situation and I want my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: The company did not explain why they were contacting me. There were multiple individuals from multiple " law firms '' who sent frightening business matter text messages to me. I finally determined who they were once I reviewed my credit report and saw that this old debt had been sold AGAIN to another collection agency. I blocked each text message only to have more sent in addition to receiving 4-5 phone calls per day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27028
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Explained in my report attached. I want it removed!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23502
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reach out to XXXX, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXX XXXX XXXX letter XX/XX/2023 and then on 2nd letter XXXX/XXXXXXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXXXXXX XXXX XXXX 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXXXXXX XXXX XXXX 1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The issues that I'll explain will be numbered. Company : Synchrony Bank XXXX XXXX Issue : Transaction Date : XX/XX/2023 Amounts : {$71.00} & {$21.00} Problem : Neither of these amounts ( phantom charges ) are reflected in my statements and the XXXX I've reached out via chat regarding them, I've either been told it would be resolved ( it hasn't ), they have no idea what I'm referring to and can't see those charges on their end ( but payments are still being allocated to them and they are still being factored into my total debt ), or that the amount was for x purchase or x reason but the explanations provided don't align with the date shown AND they don't show up in my statements, nor in my payment history as charges. Only on the online portal of my account as phantom charges which they refuse to acknowledge, actually fix, or credit back the amounts that have been going them. In total, I've reached out XXXX via chat and have attached transcripts below when I realized this the issue was still not getting fixed and there were shady practices going on and XXXX through phone in which I'm given the same array of responses in terms of not seeing them, it getting fixed, and being put on hold till no one comes back to the phone and the call mysteriously drops. All six have ended like this when I tried to pursue further action or explanations etc. 2nd Main Issue : ( Most Recent ) Transaction Date : XX/XX/2023 Amounts : {$360.00} Problem : After not having my payment allocated correctly and while still contacting them to get it resolved, I continued to try and pay down the balance so that when it eventually got fixed, those funds could then be reallocated or credited back. I got the balance down to XXXX ( as shown in the documents below ), just to find another phantom charge balance of XXXX. I don't know what the original phantom charge amount was but now my balance got readjusted back to {$360.00}. and I still have the remaining phantom charge balance posted on my account and once again, I tried reaching out through chat, they had no idea what I was referring to and kept stating my current overall balance until they disconnected the chat upon me asking for further clarification through more specific questions. I then called where I was on the phone for an hour and a half ( Most of which was on hold ) to then be hung up on. I called back once again and was immediately put on hold ( after stating the issue and prompting them to check previous transcripts ) where I was then transferred without my consent, someone picked up the phone, I re-explained the issue, was once again put on hold which lasted about 20 minutes as no one picked up the phone and once again, the phone was disconnected. Tried one last time today, immediately asked for a supervisor once I was connected and confirming my information, I was put on hold, and no one picked up the phone for 45 minutes. When someone finally did, I re-explained the issue, they asked for 5-7 minutes to investigate further and the call hung up after I asked if anyone was there around the 15 minute mark. I am exhausted. This is beyond unprofessional, shady, and corrupt. 3rd Main Issue : Payment date : XX/XX/2023 Payment Amount : {$380.00} Problem : They did not allocate the funds adequately as I requested which was to balance stated above. When I called ( twice regarding this issue specifcially ), I was told that I essentially should wait it out/ for the system to reflect it. It's XXXX and the system still doesn't " reflect it ''. When I called today for the last time to ask about it, I was told to hold and one again, the call mysteriously dropped. I called back, was transferred and no one picked up the call/ was on hold for 30 minutes before I finally hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27217
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid a settlement amount to CareCredit for {$2500.00} to Synchrony Bank ( Reference number : XXXX ). Synchrony had previously listed the debt as a " charge off '', which is a negative status on the Credit Bureau Reports. I contacted the XXXX Credit Bureaus and they each said that Synchrony reported the settlement as paid in full but retained the charge off in the update as " paid settlement/charge off ''. The Credit Bureaus said that Synchrony has to remove the charge off and just list the status as paid in full settlement. When I spoke to Synchrony today, they refused to make the change, saying " it is not within the policy guidelines ''. This entry on all of my Credit Bureau reports, of there being a current charge off on my account is inaccurate and false. The previous negative status is " charged off '' the current status should be changed to " paid in full settlement '', which is a positive status. You will see in the settlement confirmation letter that the consumer report was only suppose to say " Account paid in full for less than the full balance ''. It was never supposed to include " charge off '' wording in the updated language on the consumer report, which is currently states.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have failed to dispute on this matter with Synchrony Bank regarding failure of Ashley to provide services and responses within a reasonable amount of time. I have disputed this twice now, with the same outcome. On XX/XX/XXXX, I purchased a mattress ( {$2700.00} w/ tax ) and mattress protector ( {$150.00} w/tax ) along with some other items from Ashley Furniture Homestores in XXXX , Ohio using my Ashley Furniture Homestores Synchrony Bank Credit Card totaling {$2900.00} w/ tax. I was told by Ashely that using this mattress protector would add an additional warranty and were anything to get through the mattress protest, they would replace my mattress. My cat XXXX on it while we were sleeping on XXXX My wife awoke immediately to the sound and we got the cat out and removed the bedclothes only to find the XXXX had gone straight through the mattress protector. I tried to contact the store I purchased the mattress at for a several days by phone, emails, and a text line their outgoing message said to contact. I never received a response, I drove to the store on XX/XX/XXXXXXXX and received a number to call from a salesman to file the warranty claim. I waited the 10 day period with no response. After two weeks with no response, I left a XXXX review on XXXX Upon submitting that review, I received a reply to it, asking contact their escalation team, which I did ), and it was ignored as another Ashely employee began reaching out to us asking for the same information I had previously provided. We kept failing connect by phone as she was calling me when I was unavailable despite me informing her of this in an email. She never provided a phone number I could reach her at when I was available and the one on caller ID was their generic order line, was never able to reach her through it despite trying. At this point she requested I provide details by email and I recounted the issues to her on XXXXXXXX in an email. On XX/XX/XXXX, she tried to call me again when I'm not available and claims to have not received despite me using the same email chain we had been. At this point it had been 40 days since the incident and I still had no resolution, so I filed the first dispute with Synchrony Bank on the full charge of the transaction, as Ashley claimed to no longer have information the transaction for me to only file on just the affected items. On XX/XX/XXXX, while the the dispute was still under review and 23 days after filing the dispute and 66 days since the initial incident, Ashely attempted to contact us through my wife 's phone and left a voicemail ( we saved if needed ) after business hours. The message stated the warranty the claim needed to go through the mattress protector manufacturer, XXXX, and not Ashley, contrary to what we had been told at purchase. The Ashley employee also stated claim with XXXX had already been started by Ashley and approved, but I needed to contact XXXX to complete things. I contacted XXXX on XXXXXXXX to check on this. The XXXX representative checked for claims under both mine and my wife 's phone numbers and found that Ashley had not filed anything as they had told us. He assisted me in starting a claim, making sure to note that I had not been getting responses from Ashely but had let them know immediately that I had a problem. I received a judgement within two hours from XXXX that my claim was denied due to not filing within 5 days of the incident. Upon receiving the response from XXXX, I updated the dispute information one my Ashley Furniture Homestores Synchrony Bank Credit Card with this information, outlining that it took Ashely 66 days from the incident to provide me information on this, and prior to the voicemail on the XXXX, it had been 26 days since they attempted to contact me. I received information that the dispute had been resolved in Ashley 's favor on XX/XX/XXXX, I was still liable for the remaining payments, and a further email would be sent when all documents were available for me to review. On XX/XX/XXXX, I received an email from Synchrony that all claim documents were available. Upon reviewing them, I found it included a receipt of the transaction despite Ashley telling me it no longer existed. Reading the documents, it was clear that Synchrony had disregarded that it took Ashely Furniture Homestores 66 days from the time I tried to contact them to provide me information that I should have gone through XXXX and that I was already well beyond XXXXXXXX XXXX 5 day post-incident window to file while Ashely failed to respond to me. I contacted Synchrony on XXXX hoping to be able to appeal this decision and was told the only thing I could do was to file a second dispute, which I did, amending the disputed amount to reflect only the mattress 's cost + tax ( {$2700.00} ) and making sure to outline it taking over two months for Ashely to provide me accurate information. On XX/XX/XXXXXXXX I received the decision that this dispute had also been found in Ashely 's favor. Ashley Furniture Homestores gave me incorrect information as to who to contact in the event of an issue. Had they responded promptly with accurate information to my initial attempts to contact them, this whole issue could have been avoided. Not only did it take them 66 days to provide accurate information, I was lied to about a replacement already being approved. All of this has very clearly been ignored by Synchrony Bank on the transactions on my Ashley Furniture Homestores Synchrony Bank Credit Card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PayPal reported two accounts to XXXX. I have no open accounts and no balance due. I was not aware of two accounts, only one. It was paid off using PayPal phone payments months ago. Two days ago my Credit score with XXXX was XXXX the unauthorized open account reported to the credit bureau dropped my score XXXX points. My accounts are paid in full. This error will delay or cancel my loan for medical procedures. These accounts must be closed and show paid as agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed an account on my credit reports from a company called SYNCB/CARE CREDIT that I had no business relationship with. SYNCB/CARE CREDIT was attempting to collect on a an alleged debt in the amount of {$540.00}. I have had my identity stolen and sent SYNCB/CARE CREDIT a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent SYNCB/CARE CREDIT account with the credit bureaus. SYNCB/CARE CREDIT however continued reporting this fraudulent SYNCB/CARE CREDIT account with the credit bureaus. XX/XX/2023 I noticed SYNCB/CARE CREDIT still reporting this fraudulent SYNCB/CARE CREDIT account with the credit bureaus. I then sent SYNCB/CARE CREDIT a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between SYNCB/CARE CREDIT and myself and the original application for the account. SYNCB/CARE CREDIT violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) SYNCB/CARE CREDIT was required to cease collection efforts until the alleged debt was validated but failed to do so. SYNCB/CARE CREDIT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent SYNCB/CARE CREDIT account XX/XX/2023 on my credit reports. I then sent SYNCB/CARE CREDIT a FAILURE TO RESPOND letter via mail XX/XX/2023. SYNCB/CARE CREDIT violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. SYNCB/CARE CREDIT violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. SYNCB/CARE CREDIT violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) SYNCB/CARE CREDIT was required to cease collection efforts until the alleged debt was validated but failed to do so. SYNCB/CARE CREDIT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, SYNCB/CARE CREDIT FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. SYNCB/CARE CREDIT violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent SYNCB/CARE CREDIT account XX/XX/2023 on my credit reports and it is still there as of this filing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A